rs220bhp

Me and a friend bought a car, the car was put in his name and was still insured by the old owner. I was driving the car back under my policy as it covers me to drive any car or so I though. Got stopped by plod and told them we bought the car etc. They then say I cannot drive the car as it belongs to me? I know that we both brough it but does the fact that its in my mates name make any difference?

I know I could be in the wrong here and will hold my hands up and take the points etc if needs be but its 6 points for an honest mistake just seems a bit harsh.

rhinopower

Your insurance cover will state you can drive a car on a third party basis with permission of the owner. Sadly the copper is correct.

Psycho Warren

iTrader: (5)

if you were stupid enough to admit you owned the car despite the paperwork showing/will show it being in a mates name then you are fucked.

The wording on most policies is written to stop you using the "drive other cars" to drive cars owned by you.

otherwise everyone would buy a 1.1 shitter and insure it, then buy a 400bhp evo 8.......

MrC

Tell them you were test driving the vehicle when you were stopped on the pretence of buying it, then purchased it later on, the copper obviously was confused about the situation, get the guy to give you a receipt with the time and date after the stop, then I think you'll be ok

RichieST

iTrader: (2)

Shouldn't have told the copper you part owned it!

rs220bhp

But I didn't realise I wasn't covered to drive it if it was owned by me. I thought asong as it was still insured by the other guy I could still be covered on my insurance. Oh we'll guess I'll just have to swallow it.

rs220bhp

Did say this but apparently still can't drive it. Was just saying that as its in my mates name is it technically owned by me or him? If its him I can then drive it under my policy

RichieST

iTrader: (2)

Registered keeper on the logbook is just someone who is responsible for keeping the car road legal, it is not necessarily the legal owner.

A bloke I used to work with had a car, it was in his name. He divorced his wife and she took the car, as she still had a signed receipt with her signature on it, as she had paid for it!

Have you got a receipt from when you bought the car? If it had just been signed by your friend and not you then you could possibly get away with it....

rs220bhp

Haven't got a receipt but could get on easily enough. Think the copper was quite new so could maybe get away with him being confused about the whole thing. But I'm guess as I said we both brought it there isn't going to be any getting out of it.

rs220bhp

Think ill ring insurance in the morning and see what they say. Looks like ill be getting six points though. Piss take for an honest mistake really. Was only taking the car home after buying it.

Ginge !

Just lie and say you told copper you was test driving it to buy it hence the confusion as you can test drive another car then buy it

At the time you was pulled you was test driving and after you was pulled you placed a deposit

escortmk3rwd

6 points no insurance or more if it goes to court

stevos

Just tell them its your mates car doc are in his name he bought it you drove it home with his permission problem solved.

natehall

iTrader: (2)

was it insured by your mate?

If not - this wont hold up as technically the car wouldnt have been insured on another policy (another loophole)

stevieturbo

You've already been stopped by the police, and made a statement, albeit a brief one. He will have noted down what you said. So it will be very difficult for you to try and wriggle out of it now.

Policy's are very clear. It will state that the 3rd party cover which is dubious at best anyway, will be for any vehicle not owned by you, or loaned to you under any hire purchase bla bla bla.

For any chance, your mate would need to say he bought it, and when you said "we" is was just an expression, but not both of you actually bought it.
Of course....then it could open a can of worms if you werent insured, that your mate let you drive his car with no insurance...and he can get screwed too.

Of course....Ive yet to see a cop arrest any insurance companies or their workers for the criminal actions they partake in every day

vaughant

iTrader: (1)

I'd say a fair bit of pub talk going on here.
The car was insured by former/current keeper,therefore is insured.
The car is NOT in your name.
You are covered to drive a car that does not belong to you (which in the eyes of the law it does not) 3rd party only with the permission of the registered keeper,which you have and must get in writing.

You are legal in the eyes of the law but what you must do is ensure that the guy you bought it off is aware of this and is prepared to sign a letter to that effect.

Make sure that he hasn't written the time down that you bought the car,however the car is still technically insured and the MID database should confirm this.

Just produce as usual at the copshop and see what happens,cops are getting the insurance rules wrong all the time and I've just been to court and won regarding a vehicle not being on the mid database and them trying to fine me Ł700 all together.

You'll actually get more sense in court if they try going that route,but you must turn up otherwise they'll always find you guilty in your absence.

The cops are trying it on all the time with insurance.

As for the bought together thing just say you meant you'd lent your mate some money towards it and you were of the opinion that the officer thought you had stolen the car hence why you said this,that's if he recorded it at all.

Did you sign anything?

Stick to your guns,I'm my eyes you've done nothing wrong and I understand why you think you've also done no harm,which you haven't but the cops are so one dimensional it's scary.

I had one try and take a car off me in Aberdeen cos the tax disc wasn't displayed,despite me asking him to check on mid as the dvla simply hadn't sent it out.
Luckily his mate had checked but he was giving all this "you shouldn't be driving without a valid disc displayed",yes that was right in 1998 or whatever but now you do get 5 working days to receive your disc and if there's an issue to contact the dvla,everything that I'd done.

The guy just didn't want to lose face.

Like the copper on tv that said you need a car reg printed on your trade insurance certificate otherwise its not covered.

Yet more bullshit from people who don't know their jobs.

vaughant

iTrader: (1)

^^^^^
Be interesting to see how this turns out.
Op must stick to his guns as my guess is this wont even get to court and if it does it will be thrown out pretty sharpish.

zetecbeast

just realised...

If the old owner has sold the car, then I'm 99% sure he cannot be insured on that car and hence they cannot use his insurance to drive it with their 3rd party cover.

I've been in a similar scenario before but was ok as I had a trade policy.

zetecbeast

BUT// If you hadn't bought the car, and the guy said you were just borrowing it, then technically you would be insured!!

Psycho Warren

iTrader: (5)

Doesnt matter that a policy was showing on the MID at the time.

Id put money on the old owners insurance company not having agreed to insure the new owners for the journey home..... so therefore not insured by the policy showing on the MID. In fact almost all policies specify named driver and ownership of the vehicle rules so the second the car was sold, the policy became invalid even if not yet formally cancelled.

zetecbeast

Spot on unfortunately for the op

Acidburn

I got done for something like this in febuary - 6 points, Ł200 fine, the car conviscated etc and dumped on the side of the m5 and told to find my own way home.

Copper even told me if I got a days insurance I could get the car out the impound yard which was wrong, its not valid for that purpose.

I'm still waiting for my licence back from them now

what car was it? anything worth while re-claiming back as be prepared that will be a pita process unless your prepared to swap your insurance over and get it out before it costs too much. Just check your policy is worded to show your allowed to reclaim impounded cars, alot of insurance companys make sure its not wrote into your policy.

Also my insurance went from Ł300 a month (30 yrs old 9+ years no claims etc) to Ł700+ after this as it really messes your policy up.

MrC

Go with the test drive story, then tell them that the car was then paid for and alternative arrangements were made for the car to be left with the seller until insurance was out on the car by yourself.

If the seller is a decent enough guy he will vouch for you, just tell them the car was left at his house with a deposit until the car was fully insured by yourself, it was just unfortunate you were pulled on a test drive, there's nothing within a policy to state you can't test drive a car. You had the owners permission, the car was insured, you were test driving it on the pretence of purchasing. Was the copper alone or was he with his partner?? Did you sign his notebook?? If not you can claim the officer wrote down his own take on what you said, unfortunately evidence is better than what a copper has written in his notebook, as that's what he will be relying on when it goes to court, as long as you have the written statement from the seller then I think you'll probably get off with it, drag it through the system if your gonna get points and a fine, don't make it easy for them the twats.

rs220bhp

I had already told the police we paid for the car etc as thought I was covered to drive it but still unclear as the car isn't in my name so need to check with my insurance to see what the score is. As I was driving it 3rd party under my fully comp policy on another car

There were about 6 cops and comunity officers as it was an on the road side check. Not sure how clued up they were as they had to call a traffic cop in to check insurance etc. no paperwork signed they just said I'd receive a summons to court through the post within 14 days.

Car was not recovered as my mate who I bought the car with come and collected it on his traders policy and the traffic guy said that was ok.

escortmk3rwd

cant belong to you and other party i e owner must have it insured for you to get your insured just to drive entitlement

vaughant

iTrader: (1)

Then you were covered to drive itas your mate has a traders policy.

Just get him to put it on MID from the date that he bought it etc and your covered.

You should have mentioned this earlier.

Courts will throw that out immediately, when I was in for apparent non continuation of insurance the guy sitting next to me was on for the exact same offence as you are, it got thrown out immediately in court.

Ironically the dvla were trying to do him again for it as " they had the wrong registration on their database" the letter sent out to him was for example x998xyw when the car reg was x998xwy, he had'nt even noticed it until I mentioned it.

He walked straight into court and they laughed and joked about it as they did with mine.

Don't lose any sleep over it, you were totally legal to drive it, its your mates car, who is insured and has 14 days to put it on MID,and you were driving it, with his permission on your third party element of the policy.

Keep it in simple terms, don't get into he said she said crap, don't even mention that you have a financial interest in the car, your mate bought it, you were driving it back because you quite fancied buying it for yourself when you got stopped, you had full permission to drive the car etc etc.

Job jobbed, don't get too deep into the technicalities of it all, if you look deep enough into most policies you can find a technicality of some sort to play on so keep the facts the facts and forget what this jumped up cocksucker at the side of the road says, he knows nothing hence why he had to ring his mate the traffic cop, who also was'nt there to be presented with the full facts.

I had this happen to me in a Ka where the jumped up little prick tried to getr my insurance voided by asking why I was out that night.I explained I was looking into a disturbance at my business premises. He then, when writing out my producer (even though my house was 250 yards away) put down that my insurance was for "social domestic and pleasure use". I told him this was wrong and that I have trade insurance and I was on a business related outcome and of course had he put that down on the form, would I then be classed as uninsured?
"oh yeah, sorry mate, my mistake eh? Right, lets go and check your tyres".
Despite the car passing its MOT two days previously.
Got to watch these pricks, I could see the look in the little twats eyes gutted as he thought he'd got me.

arch

So, it's your car, that you bought from someone else? Your insurance will not cover you mate, simple as really.

Registered keeper means nothing really, just someone to send letters to.

Unless your willing to lie about it, possibly in court, then not a lot you can do I'm afraid. Suppose it all depends are where your moral compass lies.

By the way, none of the above was learned down the pub either.

BigChuck

on who's insurance was he covered?

his own policy is out the window as there are 6 police witnesses that will say he has admitted to part owning the vehicle. most policies state "can drive any vehicle he doesn't own" or words similar to that, and that the vehicle must be insured by the owner somewhere in the small print. and as said before the previous owners insurance is irrelevant is it stopped as soon as the vehicle was sold

his mates trade policy may cover him, but i would think he would have to be employed by his mate or be a named drive on his policy

BRAMMER

iTrader: (23)

Dead simple, blag it - regardless to whats written on here regarding people knowing the law - don't be nieve and stick to your guns regarding lending money etc with the police - it will go to court regardless just supply the court with the info etc and you'll have to walk.

Christ i've blagged worse, just don't go to court in a suit though

tommytwotanks

my understanding is, to test drive a vehicle

you must have insurance to drive your own vehicle

the seller must have insurance on the vehicle he's selling

if you purchase and drive home this vehicle, you must have separate insurance, ie day insurance

traders insurance only applies to the trader and/or his employees named on the policy, not his brother's mate

tommytwotanks

they had one of these traders insurance on road wars (sky3) twat got stopped for no insurance (ANPR) the twat says he's driving on his brother trade policy, police phone the trade insurance company, they said no he's not

rs220bhp

I checked with my insurance this morning. As I said I partly owned the car as genuinely thought I was insured to drive it. I have admitted it which will have been recorded by plod in his statement so technically my insurance won't cover me either way, even if its put on mid by my mate with the traders policy.

BRAMMER

iTrader: (23)

Honesty isn't the best policy you know, you have shot yourself in the foot when you absolutely didn't need to by admitting to every single person involved you were in the wrong, by saying i didn't realise and it's a genuine mistake doesn't wash with the authorities who are after results and insurance companies that are after more money you've played right in to their hands - for the money it's going to cost you over the next 5 years for increased insurance premiums you may as well have gone to a solicitor and explained the situation as if you were flustered when you were pulled over and felt intimidated and let him blag for you.

brad

I'm not going to give you any "words of wisdom" but you really do need to seek proper legal advice.
Receiving an IN10 is seen by insurance company's as worse than DD. It will make your premiums hit the roof.

vaughant

iTrader: (1)

Car is insured by mate on trade policy,car in mates name therefore he was covered tpo by his fully comp insurance to drive.
Guarantee court will see it that way,regardless of whether he said he part owns the car as that can mean anything.
In the eyes of the law,the car is insured and not registered to him hence he has insurance.
Working for his mate has nothing to do with it as he'd then be on his mates insurance.

vaughant

iTrader: (1)

Bang on,why say anything?
This story has more holes in it than my old saph shell!!!

6 points and years of high premiums now I'm afraid,court would have laughed this away.

I did recommend in an earlier post to you not to phone your insurance company and ignore the pub talk,I've been to court several times over the years for motoring related matters and only once been done for anything which I held my hands up to,we're only trying to help.

Sorry you got done but I can't help feeling you've talked yourself into this.

vaughant

iTrader: (1)

Mostly correct but if the car is added to the mid database or has just been purchased i.e within 14 days then the car is technically insured and as such the op would have been driving it via his 3rd party entitlement.

Admittedly in this case the op had financial interests in the vehicle hence was bending the truth but in the eyes of the court he had met the criteria.

You are correct about the majority of trade insurance policies but some do state "any car any driver" as I successfully produced one in the cop shop a few years back and had nothing to do with the business,could be good luck I suppose.

My trade policy offered me demonstration cover which negates the need for the buyer to have any sort of insurance but I declined as I don't really trade anymore,just utilise the policy.

vaughant

iTrader: (1)

Yep plenty of numptys on that program,including the cops themselves.

They told one boy you have to carry the trade policy on you at all times,shite,how can every employee who works in the garage do that?
You'd need hundreds of bloody certificates.

He then told the boy the car wasn't listed on his trade policy when he produced which is also shite,a trade policy rarely puts any vehicle reg on it,I've had it once where I nominated my own private cars and they went on but not the other 7 I owned!!!!

vaughant

iTrader: (1)

Like everyone did in the 90's!!!!!

Great times,had parallel no claims from a 950 fiesta that due to a clerical error got changed from 2 years NCB to 7 years NCB.

Ahh the joys of lax insurance companies.

Acidburn

Agree with this, i'm having this atm, i'm still waiting for my licence to come back and my insurance has already gone up.

They probably don't like the fact for x amount of time you wasn't insured someone wasn't raping you for the insurance money.....

I never told my insurance company, my insurance company sent a letter out to me because whilst I was in the police officers (admitted rubbish bmw) he radio'd thru to a company to check on my insurance status. This company then reported me to my insurance company who sent the letter stating that they had been informed I had been stopped and the car conviscated.

5 years of high premiums now unfortunately. I'm hopefully leaving the country to live abroad before my insurance renews so its not too bad for me. Hope you have a better outcome.